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"New online tools now make it easier for people to mobilise their social networks around peer-to-peer lending and personal fundraising campaigns – sometimes without charities even knowing about it."
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"A Rotating Savings and Credit Association or ROSCA is a group of individuals who agree to meet for a defined period of time in order to save and borrow together. "ROSCAs are the poor man's bank, where money is not idle for long but changes hands rapidly, satisfying both consumption and production needs"
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